Wheel Loader 2026: Site Preparation & Earthmoving Guide
Complete guide to wheel loader financing for construction site preparation in Malaysia. 0% down payment, fast approval, and competitive rates.
Why Wheel Loaders? Site Preparation Workhorse
Wheel loaders are the versatile workhorses of construction site preparation. With front-mounted bucket, articulating steering, and all-wheel drive, wheel loaders excel at loading trucks, stockpiling materials, grading surfaces, and general site cleanup.
Wheel Loader Advantages:
β’ Versatile: loading, grading, leveling, stockpiling
β’ Fast cycle times: quick truck loading
β’ Mobility: travels between job sites quickly
β’ All-wheel drive: works in mud, loose soil
β’ Various attachments: buckets, forks, brooms
2026 Wheel Loader Price Guide
New Wheel Loader Prices (Malaysia)
| Capacity | Popular Models | Price Range (New) | Monthly Installment* |
|---|---|---|---|
| 1-2 Cubic Meter | Komatsu WA70, Cat 924 | RM180,000 - RM240,000 | RM2,400 - RM3,200 |
| 2-3 Cubic Meter | Komatsu WA120, Cat 930 | RM280,000 - RM360,000 | RM3,800 - RM4,800 |
| 3-4 Cubic Meter | Komatsu WA200, Cat 938 | RM380,000 - RM480,000 | RM5,100 - RM6,400 |
| 4-5 Cubic Meter | Komatsu WA270, Cat 950 | RM500,000 - RM650,000 | RM6,700 - RM8,700 |
*Monthly installment based on 7-year term, 5% interest, 0% down payment.
Used Wheel Loader Prices (2026)
| Age | Condition | Price Range | Financing Available |
|---|---|---|---|
| 1-3 Years | Excellent | RM140,000 - RM280,000 | Yes (Up to 7 years) |
| 4-6 Years | Good | RM90,000 - RM180,000 | Yes (Up to 6 years) |
| 7-10 Years | Fair | RM50,000 - RM100,000 | Yes (Up to 5 years) |
Wheel Loader vs. Other Equipment: When to Choose
| Application | Wheel Loader | Excavator | Backhoe |
|---|---|---|---|
| Truck Loading | Best | Possible (slower) | Slow |
| Stockpiling | Best | Possible | Possible |
| Grading | Good | Possible | Good |
| Trenching | Poor | Best | Good |
| Site Cleanup | Best | Possible | Possible |
| Demolition | Possible | Best | Possible |
0% Down Payment: RM60,000+ Capital Preserved
Traditional vs. 0% Down Payment
Scenario: RM300,000 Wheel Loader (3-Cubic Meter)
Traditional Financing (20% Down Payment):
β’ Down payment required: RM60,000
β’ Financed amount: RM240,000
β’ Monthly installment (7 years, 5%): RM3,400
β’ Cash tied up immediately: RM60,000
0% Down Payment (Ing Heng Credit):
β’ Down payment required: RM0
β’ Financed amount: RM300,000
β’ Monthly installment (7 years, 5%): RM4,200
β’ Cash preserved: RM60,000
Use Preserved RM60,000 For:
- Operator hiring: RM9,000 (3 months)
- Fuel deposit: RM10,000
- Attachments purchase: RM15,000
- Maintenance reserve: RM15,000
- Working capital: RM11,000
Wheel Loader ROI: Revenue Potential
Daily Rates & Monthly Revenue
| Application | Daily Rate | Days/Month | Monthly Revenue |
|---|---|---|---|
| Site Preparation | RM800 - RM1,200 | 22 days | RM17,600 - RM26,400 |
| Truck Loading (Sand/Aggregate) | RM1,000 - RM1,500 | 22 days | RM22,000 - RM33,000 |
| Stockpiling | RM700 - RM1,000 | 20 days | RM14,000 - RM20,000 |
Average Monthly Revenue: RM18,000 - RM26,000
Monthly Expenses
| Expense Item | Monthly Cost |
|---|---|
| Installment (7 years, 5%) | RM4,200 |
| Operator Salary | RM3,000 |
| Diesel | RM6,000 |
| Maintenance & Repairs | RM3,000 |
| Tyres | RM1,500 |
| Insurance | RM800 |
| Total Expenses | RM18,500 |
Net Monthly Profit: RM22,000 - RM18,500 = RM3,500
Payback Period: RM300,000 Γ· RM3,500 = 86 months (7 years)
Note: Wheel loaders typically have longer payback periods compared to excavators, but offer versatility that opens more job opportunities.
Wheel Loader Applications by Industry
1. Construction Site Preparation
Tasks:
β’ Clearing debris and vegetation
β’ Leveling ground for foundation
β’ Loading trucks with excavated soil
β’ Spreading gravel and sand
2. Quarries & Mines
Tasks:
β’ Loading trucks with aggregate
β’ Stockpiling materials
β’ Feeding crushers and screens
3. Landscaping & Earthmoving
Tasks:
β’ Moving topsoil and mulch
β’ Grading and leveling
β’ Loading landscape materials
4. Wareyards & Recycling
Tasks:
β’ Moving scrap materials
β’ Loading trucks with recycled materials
β’ Organizing stockpiles
Real Contractor Success: Wheel Loader Fleet
Earthmoving Contractor: Versatile Fleet
"Started 2017 with excavator only. Clients often requested wheel loader services (loading trucks, stockpiling). Subcontracted (low margin, unreliable). 2019: bought first wheel loader (Komatsu WA120). RM300,000. Financed with Ing Heng (0% down). Monthly RM4,200. Used preserved RM60,000 for bucket attachments (forks, broom), hiring. First year: site preparation, truck loading. RM20,000 monthly revenue. Machine paid for itself through additional services captured. Previously subcontracted work now in-house (captured margin). 2021: added second wheel loader (WA200, RM400,000). Financed (0% down). Monthly RM5,400. Fleet: 2 wheel loaders, 2 excavators. Monthly revenue RM80,000+. 2023: added third wheel loader (used, RM120,000). Fleet complete. 2024: diversified into quarry work (aggregate loading). 2025: 3 wheel loaders, 3 excavators. Monthly revenue RM150,000+. Wheel loaders diversified revenue streams, reduced subcontracting dependency, improved fleet utilization. Versatility enabled taking on wider variety of jobs. 0% down payment on each machine preserved capital for attachments, hiring, operations."
β Murali a/l Suppiah, Earthmoving Contractor
Why Finance Wheel Loader with Ing Heng Credit
1. Construction Equipment Specialists
We understand earthmoving contractors:
β’ All wheel loader sizes financed
β’ New and growing contractors supported
β’ Attachment purchases included
2. 0% Down Payment
Preserve RM60,000+ working capital:
β’ No down payment required
β’ Full amount financed
β’ Use preserved cash for attachments, hiring, fuel
3. Competitive Rates
From 5% interest:
β’ Terms up to 7 years
β’ Early settlement options
4. Fast Approval
Approval in 24-48 hours:
β’ Documents via WhatsApp
β’ Quick decision for urgent needs
5. Finance Used Equipment
We finance used wheel loaders up to 10 years old:
β’ Used machines cost 40-60% less
β’ Wheel loaders durable even at high hours
Ready to Finance Wheel Loader?
Wheel loaders add versatility to your equipment fleet. From site preparation to truck loading, stockpiling to grading, wheel loaders handle tasks that excavators cannotβdiversifying your revenue streams and improving fleet utilization.
With 0% down payment financing, you preserve the RM60,000+ needed for attachments, operator hiring, and fuel deposits.
Join 4,000+ businesses who have trusted Ing Heng Credit since 1985.
Finance Wheel Loader with 0% Down
Get approved in 48 hours. All capacities financed. Preserve RM60,000+ for operations.
Contact: +60175700889 (WhatsApp) | 03-3324 8899 (Phone)